Example of insurance costs for a company

Every company must pay various costs linked to insurance. Here is an example of a service company with three employees.

This example shows the annual costs which a service company with three employees can be expected to pay [wage bill: CHF 245,000 (CHF 115,000/CHF 75,000/CHF 55,000), book value of office equipment: CHF 150,000]. A margin of around 20% should be calculated for property and civil liability insurance premiums.

Distribution of costs

 

Employer

Employee

Total expenditure

OASI/DI/APG (plus administrative costs)

12,618 (757)

12,618

25,992

Unemployment Insurance (AC)

2,695

2,695

5,390

Family compensation fund (child benefit)

2,940

 

2,940

Compulsory accident insurance

221

2,940

3,161

Supplementary accident insurance (AI)

1,225

 

1,225

Daily allowance insurance (collective)

1,225

1,225

2,450

Pension fund (OP)

15,313

15,313

30,625

Property insurance

280

 

280

Business interruption insurance (turnover: CHF 500,000: duration of benefits: 12 months)

130

 

130

Civil liability insurance

340

 

340

Total for all insurance types

37,743

34,790

72,533

Amounts are in CHF
Source: VZ Vermögenszentrum (2011), CMK Advice (2013)

Last modification 27.09.2019

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